Advice from TS Eliot - Business Network SW

?What do we live for; if it is not to make life less difficult to each other???-?T.S. Eliot?born on 26th September 1888

On 26th September 2012 at the Taunton Business Network event you have the opportunity of making your life easier ? opportunities to build relationships with people who can enhance your business and your customers businesses. Opportunities to build relationships with potential suppliers, potential buyers and develop advocates and ambassadors for your business

All you have to do is come along to THE networking lunch at Somerset County Cricket Club on 26th September, bring your passion and enthusiasm for your business and how it benefits people, some business cards and everything else is done for you.

Name badges, attendee list, 2 course served lunch with drinks and coffee all provided along with numerous decision makers. Your conversations are at the table not to the whole room ? you have time to ask questions and answer questions with the other decision makers around the table.

If you can say ?yes? to any of the following questions then feel free to get your invitation emailed to you

• Do you want to generate opportunities that will enhance your business?
• Do you want to build mutually beneficial relationships with other decision makers?
• Do you want your networking to relaxed and comfortable?
• How about business seminars that can positively impact your business?
• Would a huge variety of contacts be useful to your business?
• Do you want the opportunity to promote your business and expertise?
• Do you want a team of advocates and ambassadors for your business?
• What about generating an ROI on your networking?

How THE Networking lunch works for you

Who says it?works?

?

Details for the event

Wednesday 26th September 2012

Venue - Somerset County Cricket Club, Priory Bridge Road, Taunton TA1 1JT

Time

THE Networking lunch
Starts at 11.45am with pre- lunch drinks and informal networking, sit down 12.30pm and finishes at 2pm

Cost of event is ?27.50 (Inc VAT) covering seminar, coffee, 2 course served lunch with drinks ? wine available, delegate list, free car parking, dietary requirements are catered for

Taunton Business Network will generate opportunities for decision makers from these types of business.

Butchers, bakers, candle stick makers, Telecommunications, I.T services, Food/drink businesses (producers, retailers), florists, manufacturing, logistics/courier, hire, utilities, consumer goods, restaurants, hair dressers/barbers, tailors/outfitters; landscape/gardening/horticulture, interior design, cleaning contractors domestic & commercial, building supplies, travel agents/consultants, recycling, waste disposal ? to name a few!

Thank you for your time

• _{Do you want to generate opportunities that will enhance your business?}

• _{Do you want to build?mutually beneficial relationships?with other decision makers?}

• _{Do you want your networking to relaxed and comfortable?}

• _{How about business seminars that can positively impact your business?}

• _{Would a huge variety of contacts be useful to your business?}

• _{Do you want the opportunity to promote your business and expertise?}

• _{Do you want a team of advocates and ambassadors for your business?}

• _{What about generating an?ROI on your networking?}

Interested?

Complete the enquiry form here and your personal invitation will be emailed to you

Call 01600 891584
Email sean@business-network.co.uk

Why attend??
The results of a recent survey show that the majority of participants joined Business Network SW to build valuable relationships and meet decision makers from businesses that they felt would benefit them.
96% of members feel that Business Network SW has met their expectations, with most of them making?valuable connections,?gaining work?and?getting an increase on ROI?
You can attend 1 event as a visitor ? to attend subsequent events membership is required ? full details will be available at the event. Membership is restricted so that only 5% of the total membership is from the same business category. BNSW operates a waiting list for those over subscribed categories.

Events are invitation only

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Source: http://business-networksw.org/2012/08/14/advice-from-t-s-eliot-what-do-we-live-for-if-it-is-not-to-make-life-less-difficult-to-each-other/

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Small Business Marketing On Twitter ? Social Media For Small ...

Here tend to be some myths about Tweets that small business make:

I heard a guy request his grandmother yesterday if your woman tweets? Your woman said ?No however sometimes We toot! ? I don?t believe that is actually what he?d in thoughts. Twitter is among the largest growing social networking sites on the internet. If you do not have a existence on Tweets for your online business then you?re missing an enormous opportunity. Tweets tend to be 140 personality messages that are displayed on the users page and also the pages from the people that follow a person. All your visitors, suppliers, sellers, and colleagues ought to be following a person.

Twitter is perfect for teenagers! Tweeting about your preferred skateboard or that which you had with regard to breakfast isn?t what After all here. Twitter is really a powerful method to communicate your company offers, thrilling new advancements, and educational information about your items. Twitter may be the fastest developing site on the internet and businesses like Starbucks, JetBlue, Comcast, The house Depot, and Greatest Buy devote considerable time and work to tweeting. This is not just with regard to kids.

Tweets doesn?t issue! I truly shouldn?t need to address this problem after my personal last section, but allow me to give a person some factors that Tweets does issue.

1. Most people are using it and it is only likely to grow much more.

2. People think a business is savvy when they have a a remarkable presence upon Twitter.

3. Google has become indexing your own tweets.

That implies that your special deals and information about your organization will appear on the various search engines. That indicates more business for you personally.

I do not have time with regard to Twitter! Twitter along with other social press sites is definitely an amazing waste of your time if you do not budget out just how much time you need to spend presently there. You may click close to endlessly upon these websites and waste a couple of hours. I spend quarter-hour a day time, sometimes much less with my social networking accounts. I try to enter and away. I possess goals prior to I use and We accomplish all of them and depart. I might say to become a competitive small company you do not have time not to be upon Twitter.

Social press is something which just a couple years back didn?t actually exist. With Twitter it had been started through three university dropouts. They wanted the planet to connect through brief, text such as messages. Currently more than 175 zillion people tweet each day and it keeps growing. If you believe that you?ll be in business 10 years from now with out a existence on Twitter then you definitely are living at nighttime ages.

Source: http://www.tbslv.com/small-business-marketing-on-twitter-social-media-for-small-business-twitter.html

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Using Rental Income on a Departing Residence ... - Marin Real Estate

Posted by Nicholas Ballard on Tuesday, August 7th, 2012 at 11:39pm.

In recent months, the Bay Area's relatively low inventory of homes for sale has created a bit of a seller's market. Although sellers remain open to negotiations once in contract, they are almost universally unwilling to consider any offer that is contingent on the sale of the buyer's current home. For this reason, homeowners looking to trade up or move to a new area are left with three options: 1) sell their home and rent until a prospective new home is found, 2) Qualify for the purchase mortgage carrying both properties' housing payments or, 3) qualify with projected rental income on their current home.?

Although most buyers would prefer to have their new home lined-up before parting with their current, for many there may be no choice. If sale proceeds are needed for down payment funds, or if their income would not otherwise allow them to qualify for the new mortgage, then sell first they must. Those able to qualify carrying both their current and the new home's combined housing payments can generally move forward with the purchase (though some lenders may require assurances that they will continue to make payments on the old mortgage). Borrowers who fall into the third category generally have adequate down payment funds to satisfy the new purchase loan, but lack sufficient income to qualify with both housing payments. For these buyers, using rental income on their current home to offset housing expenses may be their best bet.

With conventional financing, buyers will need to work within the strictures of Fannie Mae guidelines, along with any additional requirements imposed by their chosen lender. In general, these are the rules that will apply:

• They will need to verify 30% equity in their current home. (This mitigates concerns that they may be considering a "strategic default" on the old home. An AVM (Automated Valuation Module) or appraisal will be needed to prove their equity position.
• Rental income must be documented with a fully executed lease agreement. The lease may be month-to-month.
• The lender will require a copy of the security deposit and proof of deposit.
• Rental income from a family member or an individual with an established relationship to the borrower is not allowed.
• 75% of the verified rental income can be used to offset housing expenses.

Perhaps the biggest obstacle in operating with this strategy is in lining-up a prospective renter who is happy to wait until you have entered into contract on a new home. But if you want the best terms on 30-year fixed money, it's the game you'll have to play. There are, however, other good options, such as 5 and 7-year ARM products that will allow for a rental offset based only on a rental survey to determine fair market rent. In this example, you will still need at least 20% down payment funds and the established rental income will be discounted to 75%, but you won't need to provide lease agreement.

?Finally, there is another good option for buyers with limited down payment funds who may have little or no equity in their homes. FHA loans provide financing as high as $729,750 on great 30-year fixed money with down payment funds as low as 3.5% of the purchase price. And for those whose equity has eroded and who may even be upside down on their current home, the FHA requires just 25% equity in the departing home and will base this figure off of the original purchase price!! But the borrower will still need to provide an executed lease agreement and proof of deposit for security money.

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Nicholas Ballard is both a mortgage broker and banker specialized in the residential Marin market. Visit him online at Ballard Loans or contact him directly to discuss your real estate lending needs:???

Nicholas Ballard

Mortgage Advisor

MLO #263995

Irwin Street Financial

A Division of Pinnacle Capital Mortgage Corp. NMLS # 81395

700 Irwin Street, Suite 300

San Rafael, CA 94901

Tel: 415-453-6200

Fax: 415-762-5307

Nicholas@ballardloans.com

Licensed by the Department of Corporations under the California Residential Mortgage Lending Act.? Equal Housing Lender.

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Source: http://marinmodern.com/blog/using-rental-income-on-a-departing-residence-to-purchase-a-new-home.html

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Dempster shuts down Red Sox

Associated Press Sports

updated 11:25 p.m. ET Aug. 7, 2012

BOSTON (AP) - That's the Ryan Dempster the Texas Rangers hoped they got at the trade deadline.

Dempster rebounded from a rough debut with Texas by pitching shutout ball into the seventh inning, Ian Kinsler had a pair of RBI singles and the Rangers snapped a two-game losing streak with a 6-3 win over the Boston Red Sox on Tuesday night.

"Anytime you have a rough one you want to get out there the next day," Dempster said. "Those five days take a long time. I think just knowing the lineup a little bit facing these guys. I was able to use the fastball and had a good split."

Dempster (1-0) allowed three unearned runs, six hits, struck out six and walked one in 6 2-3 innings.

Acquired from the Chicago Cubs minutes before last week's non-waiver trade deadline, he was tagged for eight runs in 4 2-3 innings by the Angels in his first Rangers' start on Thursday.

On Tuesday, he showed why he was the one of the top prizes at the deadline.

"Even though he gave up all those runs against Anaheim, he kept us in that ballgame and we won that ballgame," Rangers manager Ron Washington said. "He had a two-point-something ERA, leading the National League in ERA, leading the National League in (batting average) against. We know he's capable of getting outs, and he proved that tonight, without a shadow of a doubt. We're very happy to have him. We certainly need his leadership in the front part of our rotation."

Rangers outfielder David Murphy knew how Dempster felt, having been dealt by Boston to the Rangers at the deadline in 2007.

"He's a veteran and he's an easygoing guy to begin with, but I think as a man you want to earn your keep," he said. "Obviously after not having his best stuff his first outing, he wanted to turn that around as quickly as possible. I think he did that tonight."

Josh Hamilton and Nelson Cruz each had two hits and drove in a run for Texas.

Will Middlebrooks had a pinch-hit three-run homer for the Red Sox, who have lost five of seven.

The AL West-leading Rangers have lost three straight only three times this season.

Jon Lester (5-10) gave up four runs on six hits in 6 2-3 innings. He's 0-5 in his last six starts.

"It's another heck of a performance. We didn't score the runs and he didn't get the breaks," Red Sox manager Bobby Valentine said. "Couple of curveballs to a couple of left-handers wound up hurting him."

Lester, expected to be one of the club's top starters, hasn't won since June 27.

"I can't keep talking about being frustrated and all this stuff," he said. "Everybody obviously knows here that we're frustrated and we don't like losing. ... But there's positives for me personally in this game that I'm going to take and go forward to the next one."

Boston's Dustin Pedroia was called out on an attempted check swing by first base umpire Paul Nauert in the eighth and ejected in the top of the ninth.

"It looked like he checked his swing from our vantage point," said Valentine, who came out after his second baseman was tossed.

Until Middlebrooks belted his homer, it was very similar to when Dempster faced the Red Sox earlier this season.

He mixed a sharp splitter with a well-spotted fastball to keep Boston's hitters off-balance.

Joe Nathan worked the ninth for his 22nd save.

With Texas leading 4-0 and two outs in the seventh, Kinsler misplayed Ryan Kalish's grounder for an error. Middlebrooks followed by hitting the first pitch over the Green Monster - where a fan reached out to grab the ball near the top of the wall. The call was reviewed and upheld after a lengthy review.

Cruz's RBI single made it 5-3 in the eighth. Hamilton's single made it 6-3 in the ninth.

Dempster worked seven shutout innings against Boston in Chicago's win on June 15.

The Rangers broke a scoreless tie with a pair of runs in the sixth. After taking a close pitch for a ball with a 1-2 count, Murphy had a leadoff double. One out later, Kinsler singled off the top of the left-field wall, advanced on a groundout and scored on Hamilton's single to right.

In the seventh, Murphy had a sacrifice fly and Kinsler added an RBI single, making it 4-0.

Carl Crawford doubled in the first, but was picked off second. Cody Ross opened the second with a double, but was stranded.

Dempster then retired 14 of the next 15 - allowing only Ross' two-out double in the fourth - until he walked Pedroia in the sixth.

The Red Sox were coming off an eight-double game in Monday's win and three of the first four balls they hit into play Tuesday night were off the Monster, including two doubles.

NOTES: Rangers SS Andrus was back in the lineup after missing Monday's game with a sore right shoulder. ... Texas C Mike Napoli didn't start after catching four straight games. ... Boston's David Ortiz, on the 15-day DL since July 18 with a strained right Achilles, took batting practice on the field and said hopes to return this weekend when the Red Sox play in Cleveland. ... For the second straight day, Rangers OF Hamilton spent a long time signing autographs, posing for pictures and joking with the fans on the field next to Texas' dugout during BP. ... Boston RHP Clay Buchholz wore a large Frisbee-type disc around his neck for a good portion of BP. ... Shawn Thornton, Tuukka Rask and Daniel Paille of the Boston Bruins took BP on the field about 3 1/2 hours before the game.

? 2012 The Associated Press. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.

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Longoria returns, helps Rays beat Blue Jays

ST. PETERSBURG, Fla. (AP) - James Shields threw eight strong innings, Evan Longoria drove in a run in his return from an injury, and the Tampa Bay Rays beat the Toronto Blue Jays 4-1 on Tuesday night.

Source: http://nbcsports.msnbc.com/id/48562237/ns/sports-baseball/

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Defense: Pastor thought mom OK to leave US

BURLINGTON, Vt. (AP) ? A Mennonite pastor worked with a number of other people to help a woman flee the country with her 7-year-old daughter rather than share custody with her former lesbian partner in Vermont, federal prosecutors said.

The 46-year-old pastor from Stuarts Draft, Va., is on trial on a federal charge of aiding and abetting in international kidnapping. Opening statements began Wednesday; the trial is to continue into next week.

Kenneth Miller is accused of helping the woman elude a Vermont court order to share custody with her former partner, and flee to Nicaragua to live with Mennonites there. The current whereabouts of the mother and her now 10-year-old daughter are unknown.

"We are here because others, including the defendant, Kenneth Miller, aided in her cause," Assistant U.S. Attorney Eugenia Cowles told the jury.

Miller's lawyer, Joshua Autry, said he will prove his client believed the mother had full custody of her daughter and could travel freely.

"Kenneth Miller thought that she was the full legal guardian," Autry said in opening statements.

Lisa Miller, no relation to the defendant, and Janet Jenkins of Fair Haven entered a civil union in Vermont in 2000. Lisa Miller gave birth to her daughter, Isabella, in 2002. The couple later broke up, and Lisa Miller returned to her native Virginia.

A custody battle ensued, and a Vermont judge transferred custody of the girl from her mother to Jenkins after the court says Lisa Miller refused to cooperate with visitation arrangements.

Prosecutors told the jury Wednesday that on Sept. 22, 2009, Kenneth Miller drove the mother and daughter from Virginia to Buffalo, N.Y., where the two crossed the Rainbow Bridge into Canada and flew to Central America and lived among Mennonites.

"In the dark of the night, Lisa Miller took her daughter across that bridge," Cowles said. "Lisa Miller didn't act alone."

Among the first witnesses, Ontario Mennonite pastor Ervin Horst said he picked up Lisa Miller and Isabella on the Canadian side of Niagara Falls after the two crossed into Canada by taxi. Horst said he was in regular telephone contact with Kenneth Miller and declined to cross into the U.S. to pick up the mother and child because he didn't want to cross an international border with them. He said he took them to the airport in Toronto the next day.

When asked if he knew about the custody case, he said he didn't know the details.

"Lisa did not feel good about what was happening and wanted to protect her daughter," he testified.

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/386c25518f464186bf7a2ac026580ce7/Article_2012-08-08-Civil%20Union-Child%20Custody/id-e44cd2613c8547979ee6e39441ae0548

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Video: ?Adult Day Care? ? Elder Options of Texas

Disclaimer

Links to other websites or references to products, services or publications do not imply the endorsement or approval of such websites, products, services or publications by Elder Options of Texas. The determination of the need for senior care services and the choice of a facility is an extremely important decision. Please make your own independent investigation.

Source: http://blog.elderoptionsoftexas.com/2012/08/08/video-adult-day-care/

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UN, World Bank Unveil Carbon Finance Program for Philippines Pig ...

A UN and World Bank initiative has begun providing pig farms with incentives for using Earth-friendly waste treatment facilities.

On July 26, the United Nations Framework Convention on Climate Change registered a Programme of Activity for piggeries under the Methane Recovery from Waste Management Project, which allows farms across the Philippines to generate carbon credits. Implemented by the Land Bank of the Philippines and supported by the World Bank?s Carbon Finance Unit, the project provides an additional income stream in the form of carbon finance to operators of piggeries to encourage them to install proper waste management systems and reduce the emission of methane, a potent greenhouse gas. The Spanish Carbon Fund, administered by the World Bank, is buying the piggeries? carbon credits.

Under the program the pig farmers earn carbon credits for each ton of methane captured. When fully implemented, the program is expected to produce over 100,000 tons of carbon credits per year from dozens of pig farms across the country.

This is the first program of activities from the Philippines to be registered and it is the first registered biogas PoA in the animal waste sector in south-east Asia, a region home to a significant number of the world?s pigs, the Wold Bank said.

Carbon finance facilitates financial rewards through carbon credits for the reduction of greenhouse gas emissions by emitters in developing countries, like the Philippines, through the Clean Development Mechanism of the Kyoto Protocol.

The CDM allows industrialized countries and companies to fulfill some of their greenhouse gas reduction commitments through the purchase of carbon credits in clean-and-green projects in developing countries, according to the World Bank.

In September 2011, Google invested in a pilot project by Duke University and Duke Energy that, similar to the Philippines program, converts waste from a pig farm into usable energy that can then be sold for carbon-offset credits. By capturing greenhouse gases from hog waste and burning them to run a turbine, the system produces enough electricity to power 35 homes for a year.

At the time the story broke, the two Dukes had spent $1.2m on the system so far. Google has not disclosed the size of its investment.

Picture credit: Vicky Sawyer

Stay Up-to-Date On Environmental Management, Energy & Sustainability News with EL's Free Daily Newsletter

Source: http://www.environmentalleader.com/2012/08/07/un-world-bank-unveil-carbon-finance-program-for-philippines-pig-farmers/

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